Assurena Insurance Agency is an independent insurance brokerage agency that carries some of the best coverage options in the entire New USA.

Our Contacts

88 Centre Street North,
Toronto L4W 1C9
+1 (419)-507-0468
+1 (213)-345-0468

Working Hours

9.00 - 5.00
8.00 - 5.00
8.00 - 5.00
8.00 - 5.00
8.00 - 4.00

Hospitality and Restaurants

Merit’s Hospitality & Restaurant team has the experience and knowledge to deliver comprehensive risk management solutions that are both innovative and cost effective. We utilize industry-leading programs, a variety of special markets and A rated carriers to build the right program for your operation.  The transfer of risk involves a “triangular” process; we are successful because of our strong relationships with our clients and insurance partners. Merit’s hospitality and restaurant clients include a diverse group of companies such as:

  • Restaurants & Bars
  • Hotels & Motels
  • Full-Service Resorts
  • Hotel Management Companies
  • Entertainment Venues
  • Private Clubs (full service/athletic)
  • Spas & Salons
  • Marinas

Merit’s Hospitality team wants to truly know how your business works. We want to know what makes your business unique and understand what you are trying to accomplish.  Merit Looks at the details of your specific work segments such as kitchen operations, housekeeping, food vendors, maintenance, and specific amenities.  As we look at each segment, we look at your company’s exposure to 3 categories of loss: property, human capital and third-party liability. We want to make sure that we look at the best way for your firm to transfer risk.

The Hospitality & Restaurant industry has several unique risk factors. We include below some industry specific coverages and services that need to be considered.


  • Business Interruption/Extra Expense
  • Food Contamination
  • Hired Non-Owned Auto & Garage Keepers
  • Assault & Battery
  • Food Borne Illness – Trade Name Restoration
  • Ghost Kitchen Coverage
  • Active Assailant Coverage
  • Guest Property – Care, Custody & Control
  • Liquor Liability
  • Cyber Liability
  • Equipment Breakdown
  • Food Truck Coverage
  • Pollution Liability
  • Employee Practices Liability
  • Wake Up Call Liability


  • Budget Estimates and Premium Allocations
  • Assistance with Property Valuations
  • Claims Advocacy & Management
  • Insurance Content Review

For a full listing of Commercial Property & Casualty Coverages, please click here:

Merit takes protecting your assets very seriously.  Our experts use the “Full Service Commitment” process as a tool for analyzing and managing your account.

  • Risk Identification & Evaluation
  • Risk Retention Analysis
  • Risk Financing Alternative Evaluation
  • Audit of Insurance Coverage
  • Determination of Service Requirements
  • Marketing to Carriers/Vendors
  • Implementation of Specific Services
  • Coordination & Monitoring Serv
  • Annual Account Review
  • Annual Service Planning

In today’s fast-paced business environment, companies need a broker that not only markets the placement of insurance, but also assists with key analysis such as exposure evaluation, loss projections and risk transfer versus risk financing. Clients may need help managing open claims, processing claims information and coordinating loss prevention.  Through our in-house services and third-party partners, we offer a multitude of risk management services. For a full listing please click below: 

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Why should you choose
Merit Insurance?

Merit is committed to providing our clients with creative, effective, and affordable risk management solutions. Our industry experts deliver customized coverage options tailored to the needs of your business.

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Merit has combined unique niche expertise with several specialty programs to provide a competitive “edge” to our clients in the following industries:
Real Estate
Manufacturing & Wholesale Distribution
Hospitality & Restaurants